Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$233,208Cash toward the purchase price.
Closing costs + prepaids$11,341Not just lender fees.
Before credits & paid funds$244,548The complete starting cash picture.
Estimated remaining funds due at closing
$244,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,207.89
Your down payment$233,207.89
Closing costs + prepaids$11,340.54
Total buyer cash needed$244,548.43
Remaining funds due$244,548.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,683.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$453.75
Initial HOA (3 months)$675.00
Prepaid interest, first (24 days)$303.79
Fees + prepaids$11,340.54
Your down payment is the seller’s equity. You take over the $135,092 balance, so the rest of the $368,300 price is paid at closing. A second mortgage can cover part of it. $244,548.43 is due at closing. Uses and sources reconcile at $379,640.54 each. Not a Closing Disclosure.